Visa Smart Card
Simple, no-frills credit card perfect for making small purchases to build credit
Low rates
Easy online application
Cashless payments with Apple Pay, Google Pay or Samsung Pay
No Annual Fee
Smart Card
Visa Smart Card Secured
- A secured credit version of our Smart Card for those who wish to establish or re-establish credit.
- Secured by a Savings or Money Market account
- No annual fee
If your card has the contactless indicator on it, you can use it to make purchases with a simple tap.
Frequently asked questions
Yes. If you are a student, or new to credit with a limited credit history, the Smart Card may be a good option for you. For those who want to build credit, the Smart Card includes lower limits with low rates for small purchases.
Southland offers a secured version of its Smart Card. A secured credit card requires a deposit in a Savings or Money Market account to serve as collateral. If you are looking to repair or re-establish your credit, a secured credit card may be a good option.
There are several easy ways to make a payment. Visit the Make a Payment page for details.
You can call Quickline at 888.426.1918. The phone number is also printed on the back of the card.
No. Smart Cards do not include rewards. Our Enjoy! Rewards Visa Platinum does include rewards.
Yes. Transfer your balance from a different financial institution to take advance of Southland's low rates.
Credit Card Disclosure
Read important credit card disclosures(Opens in a new window) | Open full credit card agreement
1: APR= Annual Percentage Rate. 18.49% or 20.49% This APR will vary with the market based on the Prime Rate plus a margin. Balance transfer, cash advance, foreign transaction and other fees may apply. Terms, features, programs and conditions subject to change.
2: Applicants may qualify for a Maximum total unsecured limit of $100,000, lending criteria applies. Online application currently accepts a max limit of $25,000, please place a comment on your application to request more, or contact us.
3: Visa’s Zero Liability Policy is our guarantee that you won’t be held responsible for unauthorized charges made with your account or account information. You’re protected if your Visa credit or debit card is lost, stolen or fraudulently used, online or offline. Program conditions and restrictions may apply.